MS
Morgan Stanley
MS has the edge over UVSP overall, supported by stronger fundamentals and stronger modeled upside.
UVSP
Univest Financial Corporation
UVSP's outlook is improving, though it still trails on the overall score.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
UVSP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UVSP's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UVSP.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
UVSP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $27.35 | -33% |
| Forward | 10x | $40.74 | — |
| Fair | 11x | $35.68 | -12% |
| Expensive | 12x | $40.81 | +0.2% |
| Current | 12x | $40.74 | — |
Historical ranges are pointers, not guarantees.
UVSP has the edge over MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
UVSP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UVSP, with profitability improving.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS has the edge over UVSP on earnings, with stronger typical year-over-year growth.
UVSP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.90 | +17% |
| Q3 2026 | $3.34 | +12% |
| Q2 2026 | $3.45 | +26% |
| Q1 2026 | $3.32 | +25% |
| Q4 2025 | $3.13 | +21% |
| Q3 2025 | $2.99 | +20% |
| Q2 2025 | $2.73 | +12% |
| Q1 2025 | $2.66 | +11% |
| Q4 2024 | $2.58 | +7.1% |
UVSP's earnings per share have climbed steadily: $3.34 over the past year, up 12% from the year before, and higher year over year for eight quarters in a row.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over UVSP on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over UVSP on profitability, with a higher operating margin.
UVSP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $90M | +8.1% |
| Q2 2026 | $84.4M | +4.1% |
| Q1 2026 | $87.5M | +10% |
| Q4 2025 | $84.6M | +10% |
| Q3 2025 | $83.2M | +13% |
| Q2 2025 | $81M | +13% |
| Q1 2025 | $79.2M | +2.8% |
| Q4 2024 | $76.8M | +7.6% |
UVSP's revenue has grown year over year for nine quarters in a row: $90M last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | -8.5 points |
| Q2 2026 | 34% | +3 points |
| Q1 2026 | 38% | +3.5 points |
| Q4 2025 | 34% | +3 points |
| Q3 2025 | 39% | +6.6 points |
| Q2 2025 | 31% | -0.5 points |
| Q1 2025 | 35% | +1.6 points |
| Q4 2024 | 31% | +2.4 points |
UVSP's operating margin was 30% last quarter, down 8.5 points from the same quarter a year ago.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
UVSP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.2M | +44% |
| Q2 2026 | $22.9M | +4.5% |
| Q1 2026 | $21.6M | +58% |
| Q4 2025 | $30M | +9.5% |
| Q3 2025 | $31.4M | -18% |
| Q2 2025 | $21.9M | +$26.1M |
| Q1 2025 | $13.7M | +30% |
| Q4 2024 | $27.4M | +3.9% |
UVSP has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
UVSP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -215K shares |
| 1 year | -4.2% | -1.2M shares |
| 3 years | -6.1% | -1.8M shares |
| 5 years | -6.1% | -1.8M shares |
| Available history | -5.3% | -1.6M shares |
UVSP has the edge over MS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $12.9M |
| Q2 2026 | $16.6M |
| Q1 2026 | $11.9M |
| Q4 2025 | $15.4M |
| Q3 2025 | $7.8M |
| Q2 2025 | $4.9M |
| Q1 2025 | $6.5M |
| Q4 2024 | $4.2M |
UVSP spent $57M buying back its own shares over the past year, up 143% from the year before.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
UVSP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.3x | Healthy |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.9x | Healthy |
| Q4 2025 | 2.2x | Moderate |
| Q3 2025 | 2.4x | Moderate |
| Q2 2025 | 2.7x | Moderate |
| Q1 2025 | 2.5x | Moderate |
| Q4 2024 | 3.1x | Elevated |
UVSP has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
UVSP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.9 | Neutral |
| Stochastic | 24.4 | Neutral |
UVSP's weekly RSI is 50 (neutral) and its Stochastic is 24 (neutral).
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
UVSP PE vs Financial Services Sector
| Metric | UVSP | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 6.3% below |
| PE % | 82 | 63 | 19 pts above |
UVSP has the edge over MS on valuation relative to its sector.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
UVSP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $41.1 | 0.9% below |
| 20 week MA | $42.3 | 3.7% below |
| 50 week MA | $38.6 | 5.6% above |
| 100 week MA | $34.2 | 19% above |
| 200 week MA | $28.3 | 44% above |
UVSP has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 44% above its 200-week average.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.
UVSP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.7 | $20.4 | -24% |
| 2021 | $20.4 | $29.7 | +46% |
| 2022 | $29.7 | $26.3 | -12% |
| 2023 | $26.3 | $22.0 | -16% |
| 2024 | $22.0 | $29.5 | +34% |
| 2025 | $29.5 | $33.4 | +13% |
| 2026 YTD | $33.4 | $40.7 | +22% |
UVSP has the edge over MS on returns for 2026, with the stronger performance.